Equinox Consulting

Digit’@ll EN

It skids - Uber or U loose? (specious) sharing, (new) proletariat, (latent) casualisation
It skids - Uber or U loose? (specious) sharing, (new) proletariat, (latent) casualisation

Type publication : Digit’@ll EN

Release date : 26/02/2016

Author(s) : Jean Bouvier

Resume :

The rise of platforms - already 260 startups valued at €2.5 billion in France ($15 billion worldwide at the end of 2014) - is undoubtedly very good news for the consumer: source of fierce competition, booming with practical innovations, user-friendly and low cost, the concept of platform indiscriminately pervades all service sectors: banking, catering, hospitality, transportation, care services, healthcare, etc. However is this good news for the common man?

Analysis – The social networks' siren call
Analysis – The social networks' siren call

Type publication : Digit’@ll EN

Release date : 25/01/2016

Author(s) : Thomas Pageault

Resume :

Although the predicted potential of social networks still remains to be confirmed, the banks cannot ignore the phenomenon and thus are learning to navigate it and to avoid its pitfalls. Analysis of these high-riding media, but whose volatility requires mastery of their rules.

Analysis - Tick-tock, tick-tock… Time has come for bank branches to embark on the digital transformation journey
Analysis - Tick-tock, tick-tock… Time has come for bank branches to embark on the digital transformation journey

Type publication : Digit’@ll EN

Release date : 12/01/2016

Author(s) : Barbara Busi

Resume :

Mobilise the Bank! That is the mantra of the book co-written by Jean Bouvier, Grégoire Forbin and Christophe Richard, which provides a study on the impacts of Retail banking's digital transformation on HR. Following the book's release, bankers were given the opportunity to share similar experience feedback during a round table held on the 10th of December 2015, which gathered representatives of leading bank networks (BPCE, CA, FBF and SG).

It skids - Your literary experience just got steamier... with Sext!
It skids - Your literary experience just got steamier... with Sext!

Type publication : Digit’@ll EN

Release date : 30/12/2015

Author(s) : Jean Bouvier

Resume :

A perpetual source of brand experience enchantment, the customer journey is one of the key words in Marketing 3.0 gurus' vocabulary when it comes to this digital revolution? that is being constantly harped on about! Innovation in customer journey is not just the bank's prerogative any more, far from it! As a matter of fact, a surprising source of disruptive innovation can be found in... erotic literature!

Analysis- I'm signing for electronic signature… Are you game or not?
Analysis- I'm signing for electronic signature… Are you game or not?

Type publication : Digit’@ll EN

Release date : 17/11/2015

Author(s) : Barbara Busi

Resume :

The deployment of electronic signature in bank branches is becoming more and more popular. Considering that it gives an opportunity to reduce costs, risks, and also optimize timelines, this trend is bound to gain momentum. The implementation of a legal framework at the European level from July 2016, in order to harmonize practices between countries, is further strengthening this reality.

Innovation corner - Digital Health & Insurance: To Prevent is to Conquer!
Innovation corner - Digital Health & Insurance: To Prevent is to Conquer!

Type publication : Digit’@ll EN

Release date : 12/11/2015

Author(s) : David Pimentel

Resume :

This article is part of the creative approach adopted by Equinox-Cognizant: research and design the most promising digital innovations in health insurance.

Idea of the day: offer location-based epidemiological alerts!

Analysis - Digital transformation challenges in European Private Banking
Analysis - Digital transformation challenges in European Private Banking

Type publication : Digit’@ll EN

Release date : 04/11/2015

Author(s) : Fadi Lahoud

Resume :

For more than 5 years, European private banks have been facing margin shrinkage, multiplicity of regulations as well as banking secrecy unravelling, along with increased pressure on offshore sites. The global financial crisis and customer confidence crisis vis-à-vis the banks have driven regulators to demand more transparency and hence, have led to significant investments in bank information systems. [....]

Innovation corner - Digital Health & Insurance: what avenues for innovation?
Innovation corner - Digital Health & Insurance: what avenues for innovation?

Type publication : Digit’@ll EN

Release date : 29/10/2015

Author(s) : David Pimentel

Resume :

For once, Equinox-Cognizant offers you to don your consumer's hat and conceptualise some application innovations that could revolutionise the health insurance sector.

Winter is coming...! Enjoy a healthy winter as we bring to you a series of explosive articles this autumn!

Innovation corner - Emoti-Bank: Time to embark on new banking relationships with Emoji?
Innovation corner - Emoti-Bank: Time to embark on new banking relationships with Emoji?

Type publication : Digit’@ll EN

Release date : 05/10/2015

Author(s) : Jean Bouvier

Resume :

Emojis, multi-coloured pictograms also known as emoticons, first came about in 1982 in the boorish guise of a Smiley. After dominating the world of personal chats and SMS of young digital natives, Emojis are fast swarming the corporate world.

Spotlight on 5 new spheres of these fun emoticons, and what change they could bring for my somewhat uptight banker ;)

Analysis - Enterprise Social Networking (ESN): A Revolution in Collaborative Work
Analysis - Enterprise Social Networking (ESN): A Revolution in Collaborative Work

Type publication : Digit’@ll EN

Release date : 28/09/2015

Author(s) : Kenza Benmakhlouf

Resume :

With a view to improving operational efficiency, more and more French companies are keen on embracing Enterprise Social Networks. ESN is among the 3 key digital initiatives of French companies in 2015, right behind conventional intranet, and collaborative platforms.What are the benefits of such a business tool and how to use it successfully?

Mobilise the bank! Step 3: More advisory services = more coaching (for more sales)
Mobilise the bank! Step 3: More advisory services = more coaching (for more sales)

Type publication : Digit’@ll EN

Release date : 17/09/2015

Author(s) : Jean Bouvier

Resume :

Read more excerpts from our forthcoming management book, "Faites bouger la banque !" (Mobilise the bank), releasing end of September 2015, in which Equinox-Cognizant experts examine the HR-related impacts resulting from a rationalised retail-banking model.

Mobilise the bank! Step 2: Fewer branches = fewer counters, more advisory services
Mobilise the bank! Step 2: Fewer branches = fewer counters, more advisory services

Type publication : Digit’@ll EN

Release date : 15/09/2015

Author(s) : Jean Bouvier

Resume :

Today, we bring you a new excerpt from "Faites bouger la banque !” [Mobilise the bank!], our management book to be published end of September 2015, in which Equinox-Cognizant experts examine the HR-related impacts resulting from a rationalised retail-banking model.

Innovation corner - African M-banking: When reality outdoes innovation
Innovation corner - African M-banking: When reality outdoes innovation

Type publication : Digit’@ll EN

Release date : 14/09/2015

Author(s) : Gérald Grossan

Resume :

While developed countries are looking for innovating and rethinking a restrained banking system, Africa is inventing its own banking model, particularly for Mobile Banking. In many ways, this innovation is paving the way for our tomorrow's bank.

Analysis - Darknet, a money laundering machine
Analysis - Darknet, a money laundering machine

Type publication : Digit’@ll EN

Release date : 31/08/2015

Author(s) : Thomas Pageault

Resume :

From crowdfunding to P2P lending, this remarkable disintermediation machine known as internet has brought back old practices by giving them qualities that are particularly important to our times: ease, speed and globality.

Innovation corner - Apple Watch in the conquest of the banking industry
Innovation corner - Apple Watch in the conquest of the banking industry

Type publication : Digit’@ll EN

Release date : 17/08/2015

Author(s) : Barbara Busi

Resume :

In line with the increasingly innovative connected devices on the market, connected watches have now made their way into the market and provide a different and complementary access to smartphone applications.

It rocks - Financial Times’ renewal thanks to digital
It rocks - Financial Times’ renewal thanks to digital

Type publication : Digit’@ll EN

Release date : 10/08/2015

Author(s) : Jean Bouvier

Resume :

Thanks to Big Data and its very detailed usage analyses, the Financial Times has converted 70% of its 720,000 subscribers to digital, out of which 50% access content via social networks and mobile. A remarkable example of digital operational excellence for this startup company founded in 1888!

Innovation corner - A Digital Place to Work ! How to foster creativity and productivity of your employees
Innovation corner - A Digital Place to Work ! How to foster creativity and productivity of your employees

Type publication : Digit’@ll EN

Release date : 03/08/2015

Author(s) : Kenza Benmakhlouf

Resume :

With nearly 28 million smartphones in France (source: Neocity, 2014), they have become man’s best friend, allowing us to get directions, manage our bank accounts or make purchases. Similarly, the increasingly developed and complex digital environment (internet, connected devices, etc.) provides users with almost unlimited possibilities in terms of comfort, time and space management.

It skids - Clic and Walk : When Big Data invites itself in our mobile phones
It skids - Clic and Walk : When Big Data invites itself in our mobile phones

Type publication : Digit’@ll EN

Release date : 20/07/2015

Author(s) : Anaïs Bussière

Resume :

Clic and Walk has revolutionized marketing! By infiltrating the private life of its 230,000 users, this startup company provides its clients with information on the "real world" context of its products. But the question is: For what purpose is the collected geolocalized data actually used? Is Big Data compiled via our mobile phones used without our knowledge?

Innovation corner -  I Robot (don’t tell my mother I’m a banker …)
Innovation corner - I Robot (don’t tell my mother I’m a banker …)

Type publication : Digit’@ll EN

Release date : 13/07/2015

Author(s) : Jean Bouvier

Resume :

The digital transformation of retail and private banking is fascinating in that it leverages the technological potential of Big Data and automation in order to make information processing even more industrial, and also to shift (or even make it disappear one day?) the traditional and basic part of reception and consulting closer to the customer, the human touch. Shift or disappear? Disrupt for sure. Elementary my dear Watson…